Compare 2006 Porsche 911 Insurance Rates

Searching for cheaper insurance coverage rates for your Porsche 911? Nobody I know looks forward to paying premiums for insurance coverage, especially when they know it costs too dang much. With so many companies to choose from, it can be diffult for drivers to find the lowest price insurance coverage provider.

Finding affordable coverage is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Consumers only need to know the most effective way to compare price quotes on the web.

Compare quotes for auto insurance

Most companies give coverage prices online. The process is possible for anyone because you just enter your personal and coverage information into the form. When complete, the system obtains information on your driving record and credit history and gives you a price quote. Online price quotes simplifies rate comparisons, but the process of having to visit multiple sites and type in the same data can be a bit tiresome and repetitive. But it’s necessary to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

The preferred way to find cheaper rates uses one form to return rates from many companies. This type of form saves time, requires less work, and makes online price comparison much simpler. After your information is entered, it gets priced and you can choose your choice of the pricing results. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in new window and input your coverage information. To compare your current rates, we recommend you enter your coverages as close as possible to your current policy. This ensures you are getting a fair comparison based on similar coverages.

Informed consumers save money

Lots of factors are part of the calculation when you get a price on insurance. Some are obvious such as traffic violations, but others are not quite as obvious such as your marital status or your commute time.It’s important that you understand a few of the rating criteria that are used to determine insurance coverage rates. If you understand what influences your rates, this helps enable you to make changes that can help you get much lower annual insurance costs.

The following are most of the major factors insurance coverage companies consider when setting premiums.

  • Vehicle theft costs us all – Purchasing a vehicle with advanced anti-theft systems can save you some money. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure it. A lot of companies charge rates based on their usage. Cars left parked in the garage qualify for better rates than those used for commuting. Make sure your insurance coverage declarations sheet is showing the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your 911 may be wasting your money.
  • When should you not file a policy claims? – If you file claims often, you can look forward to much higher rates or policy non-renewal. Insurance companies give most affordable rates to people that do not abuse their auto insurance. Your car insurance is intended to be relied upon for more catestrophic claims.
  • Mature drivers pay less – Young drivers are statistically shown to be more careless with other occupants in the car so insurance coverage rates are higher. If you’ve ever had to add a teenage driver to your insurance coverage policy will cause a huge premium hike. Older people are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
  • Insurance premiums and driver gender – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Both genders are responsible for at-fault accidents in similar numbers, but the men tend to have more serious accidents. Not only that, but men also have more aggressive citations such as reckless driving. Males from age 16 to 21 are the most expensive to insure and therefore are the most expensive to insure.

Affordable car insurance rates with discounts

Buying car insurance is not cheap, but you may find discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but a few need to be specifically requested before being credited. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy can reduce rates for all insured vehicles.
  • Drive Less and Save – Driving fewer miles may allow you to get discounted rates on garaged vehicles.
  • Telematics Discount – Insureds that choose to allow data collection to look at driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • No Charge for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge if your claims history is clear for a certain period of time.

Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

A few popular companies and a partial list of their discounts can be read below.

  • Progressive may have discounts that include homeowner, online quote discount, online signing, multi-vehicle, multi-policy, and continuous coverage.
  • The Hartford policyholders can earn discounts including good student, anti-theft, defensive driver, driver training, vehicle fuel type, air bag, and bundle.
  • Mercury Insurance offers discounts for anti-theft, good student, multi-car, good driver, and professional/association.
  • Geico has discounts for defensive driver, emergency military deployment, multi-vehicle, membership and employees, and anti-lock brakes.
  • AAA offers premium reductions for multi-policy, good driver, education and occupation, good student, and AAA membership discount.
  • State Farm discounts include good driver, Steer Clear safe driver discount, good student, defensive driving training, and anti-theft.

Check with every company how many discounts you can get. Discounts might not be offered on policies everywhere. If you would like to see a list of car insurance companies who offer free car insurance quotes, follow this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover a custom paint job?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does insurance cover tools stolen from my truck?
  • Can I drive in Mexico and have coverage?
  • Who is covered by my policy?
  • Am I covered by my spouse’s policy after a separation?
  • When should my teen driver be added to my policy?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Car insurance coverages and their meanings

Understanding the coverages of car insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most car insurance policies.

Liability insurance – This will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, court costs, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – This provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverages – This will pay to fix damage to your 911 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, crashing into a ditch and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for things like doctor visits, prosthetic devices, pain medications, dental work and nursing services. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, falling objects, vandalism, a tree branch falling on your vehicle and hail damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More quotes. Lower rates.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many cases, an insured dropped liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

A few companies don’t offer online rate quotes and usually these regional carriers work with independent agents. Cheaper insurance coverage can be sourced online and from local insurance agents, and you should be comparing both so you have a total pricing picture.

Additional insurance coverage information can be found on the following sites: